Affirmative Financial Services

Overview

Affirmative Financial Services operates as a small, independent RIA run as a sole proprietorship that combines financial planning and portfolio advisory with insurance brokerage. The firm serves individual and family clients on a fee basis tied to assets under management and acts as a capital allocator by selecting external managers when appropriate. Advisory services emphasize financial planning, portfolio management for individuals and small businesses, and the selection of other advisers rather than running large-scale discretionary programs. Investment posture is conservative and income-oriented. The firm’s disclosed asset mix shows a clear preference for fixed-income instruments—especially U.S. government bonds—indicating risk-averse allocation choices suited to clients seeking capital preservation and predictable cash flow. Affirmative Financial Services is not positioned as an active ESG investor and does not operate as a multi-state adviser; its business model appears focused on a compact client roster and personalized, non-discretionary advice.

Assets & Accounts

Investments & Alternatives

Location & Offices